Thomas Ray
Branch Manager
Military Mortgage Boot Camp
Thank you for visiting my page! Here at Highlands, we work every day to deliver the best customer service and quality loan experience for our clients. Contact me directly using the info above, or please feel free to review and use our resou... Show More
Location & Business Hours
Business Hours
Fri
8:30 AM to 5 PM
Sat
closed
Sun
closed
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Reviews from Web
Your communication, promptness, and making a transaction seem so easy is what always brings me back to using you!
The whole team was great!! Thank you to everyone involved for helping my wife and I get into a beautiful home!
The process went very smooth and anytime we had questions, it was easy to get them answered.
The quick turn around for communication with Thomas and Geena is great. They are quick to tackle problems and keeping me up to speed on files
Reply from Thomas Ray
October 30th, 2026 05:30 PM
I appreciate your feedback, Karri. It's great to hear that the prompt communication and problem-solving from Geena and me have been helpful. At Highlands Residential Mortgage, Ltd., keeping you informed and up to speed is a priority.
They were really amazing at helping you through all the steps.
Reply from Thomas Ray
October 26th, 2026 01:40 PM
Thank you, Wil. It was a pleasure to work with you. I hope this home is a blessing to your family.
Fantastic to work with and went above and beyond getting my clients to the closing table!
Reply from Thomas Ray
October 22nd, 2026 04:11 PM
Thank you so much. It was our pleasure to work with you and to help the clients with their home buying process.
The process was complex but the team helped and worked so hard for us. Thank you!
Reply from Thomas Ray
October 19th, 2026 01:52 PM
I appreciate your kind words, Mindy. I'm glad that the team at Highlands Residential Mortgage, Ltd. could assist you through the complex process.
The communication and support from Thomas and Geena kept us going through multiple issues and times when we wanted to throw in the towel. I wish we could say the same for the rest of the process , but unfortunately we cannot. Geena and Thomas...
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Reply from Thomas Ray
September 24th, 2026 03:54 PM
Thank you for sharing your experience, Kristen. I'm pleased to know that Geena and I could provide the communication and support you needed during challenging times with Highlands Residential Mortgage, Ltd. I appreciate your understanding and...
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Thqmas did an excellent job of walking us through the processs of our financing. He was professional, courteous and patient with us. He explained everything to us in a way that we could understand. It was a pleasure doing business with him....
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Reply from Thomas Ray
September 14th, 2026 06:21 PM
It was my pleasure to work with you and DJ. Getting to know you both was a blessing to me.
Thomas Ray was not only knowlegable but trust worthy. He guided us thruough this process with confidence and reassurance. He was patient and kind in every interaction. He helped us solve our problems and meet every deadline. A few times he...
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Reply from Thomas Ray
September 14th, 2026 06:28 PM
Thank you so much for the kind words. It means a lot. I am truly grateful to have worked for you and Tim on this mortgage. You were outstanding clients and even better people.
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About
Thank you for visiting my page! Here at Highlands, we work every day to deliver the best customer service and quality loan experience for our clients. Contact me directly using the info above, or please feel free to review and use our resources below. I look forward to working with you!
Products & Services
Mortgage Broker
FHA Home Loan
VA Home Loan
Mortgage Loan Application Assistance
Specialities
VA mortgages, first time homebuyers, homebuyer education, Jumbo loans, strategic financing.
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Education
- Military Mortgage Boot CampMortgage FinanceCertified VA specialist
- NMLS Licensing EducationMortgage Loan Originator
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Positions
- Highlands Mortgage - Branch ManagerJul 15th, 2026 - Current
- Movement Mortgage - Branch LeaderFeb 23rd, 2023 - Jul 15th, 2026
Memberships
- NAMB, NMLS, Baptist Church, NRA, DU, NAWA.
Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
1995
Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS# 171228
Gallery
Achievements
- Being awarded the prestigious Blue Jacket, personally training and coaching multiple top producers,
Hobbies
- Fitness, Fly fishing, Hunting, cooking for family, and supporting my daughters Rodeo dreams.
Additional Information
Payment Methods
- Financing Available
Disclaimer
